Money Back Credit Cards Archives

Question by jb: If You Borrow Lots of Money On Credit Cards And Don’t Pay It Back Is It Considered Fraud and You Go To Jail?
I was curious if you have always had good credit and borrowed large amounts of money but paid them off and this went on over the years and then you borrow rather large sums with the promise to pay it back like you always have and something really bad happened ,you were in a natural disaster and you can’t pay them back and you have no income and you havent contacted them . Can you be charged with fraud or just sued or what ? Please just if you know for sure answer.I appreciate your help Thanks in advance

Question by JNate: Can I get my money back through my credit card for services not received if company is now bankrupt?
I pre-payed for a class for my kids for this summer, and have now found out the company is shutting down and likely declaring bankruptcy, thus not providing the classes. I payed for it with my Discover Card. Will I be able to go through Discover and get my money back or will that not work due to the bankruptcy? Thanks.

Best answer:

Answer by David ZNo.

you will get in line with all the other creditors. you may get $.05 for every .00 you paid.

“This is not an iPhone. iPod iPod iPod!” – in a duty-free store at Ben-Gurion Airport

Image by MaxVT
You can imagine a new customer coming up to the counter every few minutes. His or her eyes light up, seeing an iPhone-like object and an unbelievable price tag. Nervously fingering credit cards in the wallet, a hopeful, but ever-skeptical Israeli customer beckons a member of staff to confirm the incredible deal is not a figment of his imagination, enhanced by lack of sleep before the flight.

Alas, the exasperated salesperson ruins the hopes of the unlucky shopper – it is merely an iPod touch, a shadow of the magical device that costs such an exorbitant sum of money in Israel and Europe. The disappointed customer relaxes the grip on the wallet, letting it slide back into the back jeans pocket, and lets the " DVD players" sign capture his attention.

Police fingerprinting my window

Image by lornagrl
Very soon it will be one full year since I was burglarized not once but twice. The first time on April 19, 2006, and the second time on June 23, 2006. The first burglary my power book was stolen. That was the hardest hit because I just purchased it and had barely begun to use it. I thought that I had insurance on my credit card for lost and stolen items but that was not the case, so I was screwed.

The second burglary wasn’t as bad, I lost my little Cannon Powershot, and a jar of change but it was far more frightening. I realized that I was not safe in my apartment (by the way, Kennsington, Brooklyn has quite a high burglary rate) and I had to move. This meant finding an apartment in a very tight rental market with almost no money. I have since moved to Brighton Beach and it has taken me a year to get over the terror of simply walking into my own apartment. I still scrutinize the drawers, and often check the windows from the outside to make sure they have not been tampered with. I leave the house each morning anxious about weather or not my stuff is still going to be there when I get home. I’m still anxious, but I’m getting better.

For a long time I stopped posting on the blog. I just didn’t feel safe. I feel safer now.

By the way, I know the chances are nil, but it never hurts to put the word out. My powerbook serial number is 4h60806srj7. If somehow you have this powerbook in your possession, say you purchased it on Craig’s List or Ebay? Please send me an e-mail or contact Detective Janetti at 718-972-5214. (complaint number 2193) I would really like to get it back.

Adam Khoo is an entrepreneur, best-selling author and a self-made millionaire by the age of 26. Discover his million dollar secrets and claim your FREE bonus CD ‘6 Ways To Achieve Anything In Life’ at Paving The Way To The Top.

A part about being wealthy is learning how to control and save your money. Notice that I use the word control before save. That’s because you can’t save your money unless you know where it’s going.

In fact, most of the people, when I congratulate them on their promotion saying, “Wow, you know I heard you just got a pay raise, so how are you saving your money?”

Do you know what they say? “I don’t know where it went.” And a lot of us, we don’t know where that money goes. To a lot of us we think that, hey, if only my income were to increase, all my problems will disappear.

There is a theory; that, your expenses, if not controlled, always rise to your level of income. So the person who makes ,000 will be broke, even if he gets a super pay raise and makes 20k a month, he will also be broke.

That’s because he can’t control his money. So track every single dollar you

spend and let me share with you a strategy on how I track every single dollar because it takes a lot of time and it’s very tedious. You know what, I use credit cards.

A lot of people when they talk about credit cards they say that credit cards are evil that credit cards make you spend more money, thus it’s no good.

But do you know? Credit cards can be a very powerful wealth creation tool. Credit cards are a double-edged sword. It can create more wealth for you or it can destroy your wealth.

Here are some pointers.

Always fully pay off your balance every month.

Never just pay your minimum balance, pay your full balance, because when you pay your full balance you do not pay a single cent on interest. And if you do that, number one, you get two months of interest free money.

How? That’s because, when you buy something from a shop, when will they bill you? They only bill you one month later. And when they bill you one month later, you only have to pay one month after you get the bill.

So it gives you two months of interest free money, if you use the credit card to buy something.

Number two, by buying thing on your credit card, what happens? Your credit card is going to record every single transaction you made. So it helps to track where your money goes.

And the third thing is that by using your credit card again and again, you can collect all these bonus points which you can redeem for free gifts and saves you a lot of money.

So that’s why credit cards can make you more money, track, control and help you save money.

Adam Khoo is an entrepreneur, best-selling author and a self-made millionaire by the age of 26. Discover his million dollar secrets and claim your FREE bonus CD ‘6 Ways To Achieve Anything In Life’ at Paving The Way To The Top.

Whenever people ask me, “Adam, what motivates you, or what motivates you or me?” I will ask them this question “What motivates you to shop?” or I ask them “What motivates you to play computer games? What motivates you to watch TV? What motivates you to play golf?” You know what they say? “Its just natural”.

Have your values sabotaged your success up to now? Is the ranking of your values or the way you have defined them causing you any conflict? Are they misaligned with your goals? Do they help you to achieve your ultimate dreams?

It is not just WHAT we think about that determines how we feel, but also HOW we think about it.
Has there been a time when you thought about something you werereally motivated to do, like going shopping?

One of the key things that people always complain about is that motivation only lasts for a few days or a few weeks. They say that they get motivated for a while and then it stops. This includes people who’ve attended our seminars before.

For your need you to be true, you can use the assets for the elderly, for the money you need. If you own a home and you need money for their needs, then the value of your home can help you make money online through home equity loans. This will help you make money with ease.

If you live in the house for several years, then you have the time, had some equity in your home. Through the regular payments on a mortgage, and an increase in the value of your home during those years, capital gains â€“ especially if kept in the house in good condition and appearance. With a home equity line of credit you can access to their assets and use it to achieve some of their dreams. Here’s how.

Lines of credit mortgage seems a good way to consolidate high interest debts into a single payment with a lower interest rate. It is possible in some cases, but there are some things you should know that being the first.

A type of loan is a line of mortgage credit (HELOC). In this type of loan that you as owner to borrow more control over things like money and length of the repayment plan that you created in a traditional home equity loan. To be more useful to think of a HELOC is like a line of credit instead of a mortgage you will receive a large sum of money at once. But as a loan is your home as collateral forHELOC.

Smart With the increase in mortgage interest rates in the first place, the owners are to examine options for the second mortgage if they need money because they want to refinance the loan in full, because the interest rate is lower and have created for 30 years. Many consumers turn the equity in their homes accessible, must choose between a fixed rate of 2 to have a mortgage and line of credit. This can be a difficult decision because each type of loan has clear advantages, and bothare

An equity line of credit or HELOC, is a secondary mortgage loan to a credit line that allows the owners to withdraw the funds for a variety of purposes states. These mortgages are used for occasional users, such as debt reduction, home, college expenses, funds, etc.

Have you ever been in a situation before you have a credit card or even the limit is exceeded or credit card was low, then panic (maybe a little ‘) or embarrassing, and then the following are all pay anything for paper?

A HELOC differs from a mortgage, because a HELOC is a line of credit instead of cash advance at a time. A HELOC is basically a line of credit secured by a mortgage or trust within the country. A HELOC is a flexible financial resources available to the owner.

Eight years ago, I was invited to give a talk at one of the Singapore polytechnics about achieving success in life to 500 final year students. At the end of my talk was a Q&A session. After replying to lots of typical questions from students, one student raised his hand to ask the final question of the day. On that fateful day, Adam Wong asked the question, â€˜ Mr. Khoo, will you be my personal mentor?â€™

Recently, I was extremely humbled (and a bit embarrassed) when someone who read my books came up to me and called me a genius. â€ You are truly a geniusâ€™, he said. â€œHow are you able to write a best-selling book so effortlessly in just 30 days?â€ (he was referring to my latest book â€˜Profit from the Panic that has topped the best-sellers list). â€œAnd how are you able to speak in front of so many people and talk non-stop for 8 hours without feeling nervous and without requiring to use any kind of note

Iâ€™m sure that there are lots of things that you really love. You may love your parents, your husband/wife, your girl friend/boyfriend and your children. You may love your car, your home or even your new mobile phone.

But let me ask you a question that may seem really weird, â€˜do you love yourself?â€™ Do you love that person you see in the mirror every day? If you find that you have many things in life to be grateful for but are still not happy with, the reason may be because you have not learnt to

It was about 22 years ago when I watched my first ROCKY movie (Rocky III) and it really inspired me to get up from defeat (after failing my exams) and to train hard to become a winner in life.

Today, 22 years later, I find myself being inspired once again by Sylvestor Stalloneâ€™s latest Rocky Movie (Rocky Balboa- part 6). In this latest movie, Rocky is aged 60+ and retired from boxing. One day, Rocky decides to come out of retirement and to get back into the ring. He feels the need to fight…

You may be wondering to yourself, ‘But, I am an employee! How can I choose to only do work that is of high value? Who am I going to delegate it to? Many of the low value work like checking emails & paperwork are still necessary, they must be done!’

Now you may be saying to me, ‘I am already working eighteen-hour days! How much harder can I possibly work?’ Or if you are working for somebody else you may be thinking, ‘This does not apply to me. As an employee, my hours of employment are fixed from 9am to 6pm. I do not get paid more for working longer hours.’

Adam Khoo is an entrepreneur, best-selling author and a self-made millionaire by the age of 26. Discover his million dollar secrets and claim your FREE bonus CD ‘6 Ways To Achieve Anything In Life’ at Paving The Way To The Top.

Banks borrow money for a short term,, at a low interest rate,, then, loan it out to you at 15% or what ever …

Banks are required to keep enough cash reserves on hand to cover a majority of their outstanding loans,, That’s a big reason banks quit lending money during the ‘credit crunch’ .. Their reserves fell below or dangerously close to what the Fed’s sed they needed to have on hand …

Holiday Wishes: Arson victim has hope for the holidays
For more than a decade, the Pioneer Press has teamed with Greater Twin Cities United Way to raise money for local families in need during the holiday season. Beginning today through Dec. 26, we are sharing the stories of families who were nominated for Holiday Wishes by United Way partner agencies.Read more on Pioneer Press

Layaway making a comeback in retail stores?
With the holiday shopping season warming up, many retailers are bringing back an old option: layaway.Read more on WECT 6 Wilmington

Bring Back A Lost Love!
The Amazing Bring Back A Lost Love Home Study Course! You Can Save Your Relationship, Save Your Marriage & Get Your Lover Back no matter how hopeless or difficult your situation appears. See All Raving Reviews! Now pays 70% to Partner, Free tools for you!Bring Back A Lost Love!

Consume nothing but leftovers
Instead of Black Friday, columnist Holly Stewart suggests taking part in a less known celebration: Buy Nothing Day. It’s kinder to your wallet and there’s nothing to return.Read more on The Record

Barclaycard Partnership Launches Free Online Help to Tackle 1.5 Trillion pounds Sterling Personal Debt
Barclaycard has partnered with debt advice charity the Money Advice Trust to launch My Money Steps, a new interactive online tool to help the growing numbers who need debt advice. The new service gives people access to advice online in their own time so that they can find the best solutions to get their finances back on an even keel.Read more on PR Newswire via Yahoo! Finance

Teen gang admit huge Zeus Trojan fraud
Youngsters behind forum that led to Â£12 million losses In a crime story that sounds like an Internet update of the Italian Job, a gang of British teens have admitted being behind an online forum that stole and marketed stolen credit card numbers and bank details worth an estimated Â£12 million ( million).Read more on TechWorld

Image by Esthr
A brief, allegorical history of ad/spyware. I’m working on the non-allegorical version for Release 1.0.

Imagine this. Youâ€™re in a bazaar. As you enter each shop, the merchants look you over, watch what youâ€™re looking at, and rush up to present you with their best offers. â€œYou like the red scarf, madame? Imagine it with this lovely black leather jacket.â€ As you walk out, you see him taking notes, the better to greet you next time. When you return, he has a new selection ready. Pretty soon, you realize that he has been talking to the shoe merchant down the street. When you enter that store, the shoe salesman is ready with shoes to match the jacket. As you leave, you are accosted by a street urchin: â€œCheap shoes, lady! The store pays rent and has to charge you more. I can give you a better deal!â€ You brush him off but he persists. â€œFor free, lady! Just let me follow you as you shop, and I can keep giving you better offers.â€

You acquiesce. What could be the harm in this? And the shoes are, well, theyâ€™re okayâ€¦and theyâ€™re free. The urchin follows you around, watching as you browse through the twisted streets and cramped boutiques. It makes you uneasy to have this kid watching you all the time, but never mind. When you complain, he offers to sing to youâ€¦and the music is quite pleasant. As you shop at one shoe store, the urchin shows you shoes from another merchant, who has paid him to do so. He tries to be unobtrusive; whenever they see him in public, the merchants shoo him away. One store-owner screams at him: â€œGo away! This customer belongs to me!â€ (But many of the merchants, in their back rooms, are making deals with those very same urchins, paying them to lure customers to their stores.)

Now more urchins show up, each with his own special deal. As they compete with one another, their behavior gets worse. The bazaarâ€™s alleys are getting crowded and itâ€™s hard to keep track of all the people swirling around. Some urchins start following you without asking, and you canâ€™t tell one from the other. They foist tacky trinkets on you; others slip in and donâ€™t bother to give you anything at all. Everywhere you go, kids are tugging at your sleeve and jostling the others away, whispering â€œMeess! Meess! Look here! Special deal!â€ As the confusion grows, pickpockets reach into your wallet, stealing money and credit cards. The urchins start stealing from each other, too. Some of them put false fronts up in front of the real stores, and deceive you into buying from them instead of the merchants who paid the rent; others masquerade as salespeople in the larger stores and steal commissions. Adult criminals enter the scene, organizing the meanest of the urchins into criminal bands working in concert. The merchants who hire urchins to do their dirty work shrug their shoulders and say they try hard to work only with good urchins.

Finally, police and vigilantes show up and start arresting the urchins. Dragging the kids around by the collar, the â€œauthoritiesâ€ ask: â€œArrest them all?â€ Itâ€™s difficult to tell the vigilantes from the police, let alone the thieves/pickpockets from the once-innocent kids who gave you their names and asked your permission to follow you around. Itâ€™s a messâ€¦ you decide to leave, but the sneakiest of the urchins follow you as you leave the bazaar.

The urchins who were polite enough to get your consent and who didnâ€™t follow you out of the bazaar are indistinguishable from the worst of the thieves and con artists. Some of the urchins vanish into the night to become permanent outlaws. Others promise to reform, but they wonâ€™t empty their pockets. They wear ID badges by daylight, but every once in a while you glimpse them in an alleyway, without ID, behaving badly again.

A couple make more credible efforts to go straight. They start wearing ID badges and they want recognition for their efforts, but most people find them hard to trust, let alone forgive. Also, the best of the urchins â€“ call them WhenU and Claria – face new challenges trying to go straight, competing with the regular merchants to win customersâ€™ trust. Can they learn new habits and succeed?

Re-envision the scenario above online, with websites and portals replacing the merchants and adware/spyware companies playing the urchins, and you have a pretty accurate look at the world of adware/spyware and how they are evolving.

THE CREDIT GUY: There are steps to take to get collector off your back
Q: I had been paying 0 per month on one of my credit cards,but itâ€™s getting a little difficult. Iâ€™m now paying per month.The creditor is not satisfied with my lower payment.Read more on Rapid City Journal

On the hunt for a bargain
Confronted with an economic “recovery” that has been more naughty than nice, American consumers and retailers are looking toward the holiday season like an 8-year-old with a guilty conscience — hopeful that bountiful times are ahead but figuring it…Read more on The News Journal

Recovering from foreclosure takes time, so use it to rebuild credit
MICHAEL HOGUE/DMNYou’ll need to examine what caused you to fall behind on your mortgage and take steps to fix the problem, and rebuilding your credit should be your first priority.Read more on Dallas Morning News

Nontraditional lender serves immigrant communities
LOS ANGELES â€” Customers jam the booth at a Latino supermarket near downtown Los Angeles. Clutching pay stubs and IDs, theyâ€™re applying for small loans, enough to cover a car repair or an emergency trip to Mexico or El Salvador.Read more on Everett Herald